Inaccurate is the number-one reason why many small businesses go bankrupt.
a. billing
b. credit management
c. cash flow projection
d. demand forecasting

Option B

Explanation:

The top most reason for the bankruptcy of many small businesses is the inaccurate credit management.

Credit management deals with granting credits, recovery of credit granted on its due time,  terms of grant of credits, other related issues and to make sure it comply with the company's policies.

The main aim of credit management is to work for the improvement of profits generated and the revenues within a bank or a firm.

Therefore, any inaccuracy in these will result in major set back to many small businesses.